Purchasing auto insurance is an important decision that can provide you with financial protection in the event of an accident or other issues with your vehicle. Allstate is one of the largest auto insurance providers in the United States and offers policies in every state, including Utah. Here is an in-depth look at Allstate auto insurance in Utah, the required coverage amounts, optional add-ons, discounts available, and how to save money on your premiums.
Allstate Auto Insurance Coverage in Utah
In Utah, drivers are required to carry a minimum level of auto insurance coverage. Allstate offers all the basic required coverings plus additional options to customize your policy. Here are the main types of auto insurance coverage available from Allstate in Utah:
- Liability insurance– This coverage pays for damage that you cause to others in an accident when you are deemed to be at fault. It provides protection against bodily injury and property damage claims from other parties. Utah requires minimum liability limits of 25/65/15, which stands for:
- $25,000 bodily injury coverage per person
- $65,000 bodily injury coverage per accident
- $15,000 property damage coverage
- Uninsured/underinsured motorist– This type of coverage will protect you if you’re in an accident caused by a driver who doesn’t have sufficient insurance coverage. Utah requires uninsured motorist bodily injury limits equal to your liability coverage.
- Comprehensive– This coverage is for damage to your vehicle from events other than collisions, including theft, vandalism, natural disasters, falling objects, fire, and more.
- Collision– Collision insurance covers your vehicle if it’s damaged in an accident with another car, or object, or as a result of flipping over.
- Medical payments– Med pay coverage takes care of medical expenses for you and your passengers if you’re injured in an accident, regardless of who is at fault.
- Personal injury protection– In Utah, PIP is required and provides coverage for medical expenses, lost wages, and other damages for you and your passengers injured in an accident, regardless of fault. The minimum limit is $3,000.
In addition to these standard types of auto insurance, Allstate also offers roadside assistance coverage, rental reimbursement, custom parts and equipment value, and rideshare insurance for Uber and Lyft drivers.
Allstate Auto Insurance Discounts in Utah
Allstate offers a number of discounts in Utah to help drivers lower their insurance premiums. Here are some of the main discounts available:
- Safe driving discount– You can save up to 30% just for having a safe driving record free of accidents, traffic violations, and claims.
- Multi-policy discount– If you bundle Allstate auto insurance with other policies like home or renters insurance you can save up to 25%.
- New customer discount– New Allstate auto insurance customers can save up to 15% on their first year’s policy.
- Early signing discount– Save up to 25% by signing your new policy at least seven days before your old one expires.
- E-smart discount– Enroll in Allstate’s program to track safe driving habits through a mobile app and you can save up to 30% for participating.
- Anti-theft device discount– Having qualifying anti-theft devices installed in your car can reduce your comprehensive premiums by up to 20%.
- Good student discount– High school and college students with a B average or better can receive a discount of up to 20%.
- New vehicle discount– Purchasing a new car can earn you savings of up to 15% on certain coverages.
- Affinity discount– If you belong to a partner organization you can save up to 10% on your policy.
- Defensive driving course discount– Take an approved defensive driving class and you can reduce your premiums by up to 10%.
Ask your Allstate agent about all the discounts you may be eligible for to help maximize your savings on auto insurance in Utah.
How to Save on Allstate Auto Insurance in Utah
In addition to discounts, there are other ways Utah drivers can save on their Allstate premiums:
- Raise your deductible– Opting for higher deductibles of $500, $750, or $1000, or more will lower your rates substantially. Just ensure you have savings to cover the higher out-of-pocket costs if you file a claim.
- Limit your mileage– The fewer miles you drive in a year, the less risk you pose to the insurance company, and the lower your rates will be.
- Ask about usage-based options– Allstate’s Drivewise program uses a mobile app or device in your vehicle to track actual driving data like mileage, braking, time of travel, and more to provide discounts based on your actual driving habits.
- Maintain good credit– In Utah, your credit history can be a factor in insurance premium pricing, so keeping your credit score in good shape can help lower your rates.
- Checkout group insurance– See if any organizations or associations you belong to offer special group pricing on Allstate policies.
- Take public transportation– Cut down on driving by using public transportation whenever feasible and you’ll lower your auto insurance exposure.
- Comparison shop– Be sure to compare rates from multiple top insurers in addition to Allstate to find the best deal. Rates can vary widely, so it pays to shop around.
Getting the best rate on Allstate insurance in Utah requires finding all the discounts you qualify for and exploring all the cost-saving options available to you. Partner with a knowledgeable Allstate agent to review your specific situation.
Allstate Auto Insurance Claims Process in Utah
If you are unfortunately in an accident, your Allstate policy provides a claims service designed to make the process as smooth and hassle-free as possible for Utah customers. Here’s what to expect if you need to file an auto insurance claim with Allstate in Utah:
- Report the accident– Notify the police and Allstate as soon as possible after an accident. You can file a claim anytime online or by phone.
- Document the scene– Take photos of the damage to all vehicles and the accident scene. Get contact info and insurance details from the other driver(s).
- Get vehicle repairs– Allstate has a network of preferred auto repair shops in Utah that will repair your vehicle to pre-accident condition. Allstate will arrange for a rental car if needed.
- Injury claims– If anyone is injured in the accident, Allstate will need all medical reports and bills to process injury claims. Your medical payments coverage can help pay these costs.
- Settlement offer– Allstate will investigate the accident circumstances, assess damages, and make a fair settlement offer in a timely manner to resolve any legitimate claims from the accident.
- Dispute resolution– If you disagree with Allstate’s claims determination or settlement offer amount, Allstate has an appeals process to review your concerns and may be able to negotiate a compromise resolution.
Allstate aims to resolve auto insurance claims as quickly and fairly as possible. Their Utah adjusters and representatives will keep you informed throughout the process.
Is Allstate Auto Insurance A Good Option for Drivers in Utah?
When shopping for top car insurance providers in Utah, Allstate is definitely one of the best options to consider. Here are some key benefits Utah drivers can expect from Allstate auto insurance:
- Strong financial rating– Allstate has over 90 years of experience in the insurance industry and maintains very strong financial strength ratings from A.M. Best (A+) and Standard & Poor’s (AA+).
- Extensive coverage options– Allstate offers a wide variety of coverage options to build a policy that meets your specific needs and budget. Add-ons like roadside assistance, rideshare coverage, custom parts/equipment value and more provide enhanced protection.
- Discounts to lower your costs– The multitude of discounts Allstate offers in Utah makes it easier to lower your insurance premium costs.
- Superior claims service– When you need to file a claim, Allstate has fast claims handling and highly trained adjusters to make the process smooth and get you back on the road.
- Convenient app– Allstate offers a useful mobile app so Utah customers can easily manage their policies, pay their bills, file minor claims, and more all from their smartphones.
- Bundling options– You can bundle home, renters, or life insurance with your auto policy to unlock Allstate’s multi-policy discount and simplify your insurance portfolio.
- Local agents– Allstate has agent offices located throughout Utah to provide personalized advice, guidance, and support in protecting what matters most to you.
For your auto insurance needs in Utah, it’s hard to go wrong partnering with a trusted brand like Allstate that offers proven financial strength, quality coverage options, and excellent claims service. Get a free quote today from a local Allstate agent to see how they can help you find the right Utah auto insurance coverage at competitive rates.
Faizan Ahmad is a financial analyst and writer who specializes in investments, banking, and corporate finance. He has over 7 years of experience working in the finance industry in various roles.
He leverages his strong financial modeling and data analysis skills to provide insightful commentary on business, markets, and economic trends.
At Ventures Money, Faizan covers topics including Credit Card Reviews, Loans, Insurance, and Mutual Funds in the banking sector. He provides in-depth analysis of the latest news and trends to help readers make smart investment decisions.
Outside of writing, Faizan enjoys following the stock market, rooting for his favorite sports teams, and spending time with his family.